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That money comes out of my pocket. Why should I just allow someone to take money out of my pocket without any resistance?
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Shall I list the pros versus cons again? They may not all apply to you given the different neighborhood, but most of them will.
The relatively small increase that might accompany a claim is worth your life or the life of someone else? So now we can kill someone because not doing so might increase our insurance costs? I guess I should put that into the the pros column: shooting someone will keep insurance costs down.